Expat Health Insurance Options for India
There is no national health insurance in India. Most locals don’t have private health insurance because the premiums are too expensive for the majority of Indians. Private health insurance is not required, but considering the number of diseases and the crazy traffic in India, you should absolutely have an excellent health insurance plan for your stay in Mumbai.
Expats and their families will typically have an international health insurance plan through the working spouse’s company. If not, then buy a comprehensive travel and health insurance plan. A good option is to buy an Indian plan to cover you when in Mumbai, and a separate travel insurance plan to cover you when you are outside of India.
Indian health insurance premiums vary a bit from company to company and depend on your age, but, in general, will cost around 9,500 INR a year for coverage of 10 lahks per year within India. This may seem very inexpensive, but that is because healthcare is much cheaper in India than it is in the United States, for example.
International private medical insurance is expensive by Western standards. It will cover any medical bills for the treatment of acute illnesses no matter where you are in the world, including bills for flying home or to another location when suitable care isn’t available in the country.
As always, research the policy thoroughly before purchasing and be aware of exactly what is and is not covered.
To enroll, you’ll need to have a medical check-up and submit the following documents:
- Passport
- FRRO book
- PAN card
- Completed proposal form
It’s a good idea to become familiar with the best hospital near you, particularly if you have health problems. See what kind of services and doctors are available. If possible, register yourself so that your information is already stored with the hospital to speed up the admissions process in case of an emergency.
Insurance Companies for Expats in India
Allianz
https://apps.allianzworldwidecare.com/#/brokerEntry/en/500154?appId=1
Integra Global Healthcare
Phone: +1 888 753 1377
https://integraglobal.com/individuals/free-quote?r=10-205-100-H
Private international insurance with a plan specifically for expats.
Note that you can get a quote for international health insurance via ExpatInfoDesk:
